The past few years have seen asset managers respond to uncertain markets, shifting demographics and regulatory change with a raft of more outcome-focused, multi-asset investment options. Is the sun setting on the traditional, mixed asset approach?

As a growing organisation NEST are constantly evolving their approach and look to understand how best to service their members. This report details a variety of case studies which demonstrate positive and responsible investments, with a look to future developments within the DC landscape.

Millions at risk from ID theft claims Callcredit

Millions of Britons are leaving themselves open to ID theft because they don't take basic precautions against fraudsters according to research from credit reference agency Callcredit.

Callcredit claims 50% of people have never checked their credit file, and one in four people don’t shred documents and have credit facilities they haven’t used for more than a year while one in three people use the same password or PIN more than once.

Identity theft affects more than 100,000 people every year in the UK. It occurs when personal information is obtained by someone else without the owners knowledge and typically leads to fraud, deception, or obtaining benefits and services in the victim’s name. The Government estimates put the cost to the UK economy at more than £1.3bn a year.

Callcredit director Alison Nicholson says: "ID theft is one of the fastest growing types of fraud in the UK yet our research shows people aren’t taking the necessary steps to protect themselves.”

Key Findings of the research include:

50% of people have never checked their credit file.

27.7% of Britons have a credit/debit or store card they haven’t used for 12 months or more.

24.2% of people admit they don’t shred personal documents before throwing them away.

34.2% of Britons use the same password or PIN for different accounts.

Women are more likely to shred than men, 77.2% against 68.2%.

Southerners are the least likely to have checked their credit file with 54.5% admitting they have never looked at it compared to a national average of 50%.

Midlanders are the most likely to check their credit file with 41.9% saying they have looked at it in the last 12 months compared to 36.9% nationally.

Lancastrians are the most likely to have credit facilities they don’t use with 35.8 saying they had a debit/credit or store card they hadn’t used for a year compared to 27.7% across the UK and just 17.5% of Londoners.

North Easterners are the biggest shredders with 80% saying they shred before they throw compared to 72.7% nationally and just 65.4% of people who live in Northern Ireland.

Yorkshire folk are the laziest with their PINs and passwords with 45.9% admitting they use the same one more than once against 34.2% across the UK and just 26.5% of people in Wales.